This is a foundational type of coverage for most Alberta businesses. It protects against third-party claims of bodily injury, property damage, and personal injury that could occur on your business premises or as a result of your operations. While not legally required, many landlords, clients, and partners will require proof of CGL insurance before signing contracts or leases.

This insurance covers the physical assets of your business—such as your building, equipment, inventory, and furnishings—in the event of fire, theft, vandalism, or certain weather-related damages. It’s essential for Alberta storefronts, offices, warehouses, and manufacturing facilities. If you lease a space, your landlord may require you to carry this coverage.

Commercial auto insurance is legally required if your business owns or operates vehicles in Alberta. It provides coverage for liability, collision, and comprehensive damage for vehicles used in business activities. This includes delivery vans, service trucks, or even personal vehicles used regularly for work purposes.